The Eastern District of Pennsylvania denied a mortgage lender’s motion to dismiss pursuant to Rule 12(b) (6), allowing a putative class action to move forward against First Horizon National Corp. (First Horizon). The lawsuit alleges that First Horizon violated the Real Estate Settlement Procedures Act of 1974 (RESPA) by referring customers to particular mortgage insurers in exchange for illegal kickbacks disguised as reinsurance premiums. The court found, contrary to First Horizon’s motion to dismiss, that the plaintiffs adequately pled equitable tolling of RESPA’s statute of limitations by alleging First Horizon provided misleading mortgage documents.